Life Policy Locator Service

If you suspect a deceased loved one had a life insurance policy or annuity contract that you are having trouble locating, the Department of Insurance can help.

The department has created the Life Policy Locator service to help consumers locate benefits from life insurance policies or annuity contracts purchased in Missouri.

Individuals who believe they are beneficiaries, as well as executors and legal representatives of the deceased person may submit a search request form. Completed forms should be notarized and include an original certified death certificate before being mailed to the department.

Requests will be forwarded to Missouri-licensed life insurance companies no later than 30 days after the request was submitted. Insurance companies will then contact the beneficiary if a policy is located.

If the person making the request is not legally entitled to information about the life insurance policy or annuity, the insurance company will not make contact with that person. However, the insurance company will begin a search for the beneficiaries named on the policy.